Wabash, IN · Charter 3006
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
90
Asset Quality
100
Profitability
44
Liquidity
0
Efficiency
19
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wabash, IN · Charter 3006
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | -0.26% | -0.20% | 0.21% | 0.30% | 0.24% | 0.65% | 0.41% | +20 bps | |
| Return on Equity | -1.69% | -1.41% | -1.11% | 1.11% | 1.61% | 1.16% | 2.93% | 1.86% | +76 bps | |
| Net Interest Margin | 3.13% | 3.70% | 3.41% | 3.93% | 4.03% | 4.65% | 5.18% | 5.02% | +110 bps | |
| Efficiency Ratio | 106.00% | 104.56% | 103.26% | 92.74% | 90.74% | 92.89% | 84.61% | 88.97% | -377 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.14% | -6.29% | -5.65% | -9.80% | -12.61% | -9.33% | -15.13% | -13.94% | -414 bps | |
| Loan Growth (YoY) | -11.37% | -10.72% | -13.63% | -17.37% | -18.12% | -2.30% | -8.14% | -10.43% | +695 bps | |
| Share Growth (YoY) | 8.96% | -7.37% | -6.64% | -11.83% | -15.31% | -11.84% | -19.14% | -17.55% | -572 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.56% | 0.14% | 0.00% | 0.18% | 0.16% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.66% | 0.68% | 0.65% | 0.69% | 0.52% | 0.46% | 0.58% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.07% | 18.73% | 18.31% | 18.53% | 18.59% | 20.90% | 22.06% | 21.87% | +334 bps | |
| Net Worth / Assets | 16.07% | 18.73% | 18.31% | 18.53% | 18.59% | 20.90% | 22.06% | 21.87% | +334 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.03% | 99.50% | 97.17% | 89.22% | 87.04% | 110.28% | 110.39% | 96.93% | +771 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wabash, IN · Charter 3006 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.34%
Rank 1,273 of 1,683
Net Interest Margin
4.99%
Rank 148 of 1,683
Efficiency Ratio
89.66%
Rank 1,371 of 1,682
Equity / Assets
21.86%
Rank 165 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.34% | 0.35% | 0.74% | 1.18% | Beats 24% | 1,273 / 1,683 | ||
| Return on Equity | 1.57% | 2.67% | 5.89% | 8.74% | Beats 18% | 1,381 / 1,681 | ||
| Net Interest Margin | 4.99% | 3.31% | 3.82% | 4.32% | Beats 91% | 148 / 1,683 | ||
| Efficiency Ratio | 89.66% | 68.91% | 78.20% | 86.93% | Beats 19% | 1,371 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.86% | 10.44% | 12.89% | 16.53% | Beats 90% | 165 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.86% | 10.44% | 12.89% | 16.53% | Beats 90% | 165 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.90% | 52.61% | 69.38% | 83.50% | 95th pctl | 89 / 1,683 | ||
| Loans / Assets | 75.39% | 44.71% | 59.18% | 70.72% | 84th pctl | 273 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||